Ortiz Law Firm is dedicated to helping people recover the disability benefits they deserve. We handle group Long Term Disability (LTD) claims, individual disability insurance policy claims, ERISA disability claims, and Social Security Disability claims.
// by Nick Ortiz
If you possess a long-term disability policy, either provided by your employer or through a policy you’ve acquired independently, you may qualify to receive disability benefits if you cannot work. The first step in determining your eligibility for benefits is to read your long-term disability (LTD) policy thoroughly. You can obtain a copy of your LTD plan from …
When Is A Person Considered Disabled By A Long-Term Disability Insurance Company?Read More
// by Nick Ortiz
Why does the insurance company want to take your statement? It is most likely to try and obtain a statement from you about your condition that is inconsistent with other evidence in your file. By the time the recorded statement takes place, the insurance company will likely have some evidence about you. The adjuster will …
Sworn Statements In Long-Term Disability Insurance ClaimsRead More
// by Nick Ortiz
A pre-existing condition exclusion is a provision in a long-term disability insurance policy that limits or excludes coverage for a disability caused by a condition that existed before the policy became effective. However, not all pre-existing conditions are excluded from coverage. You’re probably here today because your long-term disability insurance company has denied your claim for benefits, saying they’re …
Long-Term Disability Insurance And Pre-Existing ConditionsRead More
// by Nick Ortiz
Long-term disability claims are heavily decided by the medical evidence that is provided as part of fulfilling your “proof of claim” or “proof of loss.” Ultimately, it is the claimant’s burden to prove that a physical or mental condition has so negatively affected the claimant that the claimant can no longer continue in his or her career. Medical …
Medical Requirements For Long-Term Disability ClaimsRead More
// by Nick Ortiz
Age is a factor in most long-term disability claims as most long-term disability policies have an age limit. Most disability insurance policies end either at age 65 or at the claimant’s Social Security Normal Retirement Age – which currently ranges between 65 and 67 years old. There are some exceptions to this – like if …
// by Nick Ortiz
Are you curious about how your job and education impact long-term disability claims? The type of work you do and your level of education can drastically affect your claim’s outcome. We’ll explore these factors and offer insights to help you navigate the process more effectively. Own Occupation vs Any Occupation The differences between own occupation and …
How A Claimant’s Job And Education Affect Long-Term Disability ClaimsRead More
// by Nick Ortiz
Wondering if you can apply for both long-term disability and unemployment benefits at the same time? It’s a common question many face when dealing with sudden health issues and job loss. It’s possible, but it comes with specific rules and limitations. In this post, we will discuss how it works when you file for long-term …
// by Nick Ortiz
One of the most common questions we receive is, “Can I be fired while I am out of work for disability?” Regarding qualifying for long-term disability insurance benefits, the primary issue is whether your disability began before your employment was terminated. If you are fired while on disability leave, you may have a separate employment claim for …
Can I Be Fired While I Am Out Of Work For A Long-Term Disability?Read More
// by Nick Ortiz
Some long term disability claims go to the US Circuit Courts of Appeals. The United States Courts of Appeals (or circuit courts) are the intermediate appellate courts of the United States federal court system. That means they are the level between federal district courts and the United States Supreme Court. A court of appeals decides …
// by Nick Ortiz
Long-term disability insurance companies are well-known for hiring third-party investigators to put claimants under surveillance. They spend millions of dollars on surveillance to save billions in long-term disability claims. They want to “catch” you doing something you “shouldn’t,” like taking out the trash or enjoying your grandchild’s birthday party. The goal is to get footage that they …
Types Of Surveillance In Long-Term Disability ClaimsRead More
Ortiz Law Firm is a national disability law firm specializing in long-term disability appeals, disability insurance lawsuits, and Social Security Disability claims. Contact us for a free case review.
(888) 321-8131
316 S Baylen St., Ste 590,
Pensacola, FL 32502